A few points ...

1 -- The "Max Suggested Bid" does indeed take into account the other (previous) bids. That's why it changes as more bids are made. (As for earning the full curation percentage, it's rare that anyone does so. Most often, that ROI drops into the 1%–5% range before the upvote is made.)

2 -- I always send my bids at the "13:00-minute to Next Vote" mark. As I mentioned above, sometimes late bids cross, and that's what happened yesterday with my bid on this post. So, when I clicked and sent my bid, there was much more than "$7.50" remaining. Unfortunately, another bidder or two also sent a bid at the same time, and then, when both of our bids were registered on SBTracker, the profits slipped into negative territory. It's unfortunate, but that's the risk we ALL take.

3 -- I've been using SBT for over a year. At the beginning, I too last some money, but since then, I've done quite well – never at the expense of others. Sometimes, I've lost a bit of money when late bids have crossed or when someone has sent in a huge bid after my bid. At those times, I've accepted that such risks are part of any bidding process, and have never complained to anyone else that their bid cost me money. (If you bid at an auction or on E-Bay or if you bet on sports or anything else, the risk is always there.)

4 -- As for your statement "It's not a bid, it's a payment," that's simply wrong. That's why they are called bid bots, and that's why they use the terms "max bid," "total bids," and "suggested bids."

Again, I'm sorry that your profits slipped, and I'm very sorry that you cannot understand the nature and risk of "BIDDING," of using the "BID BOTS." Just remember ... "It's not a payment, it's a bid."